Credit Score

Chase Ink Business Preferred

  • 80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening.
  • $95 Annual Fee
Steps
  1. Applied online (used my full name as Legal name of business and SSN as Tax identification number)
  2. Application was not instantly approved.
  3. Immediately called Chase reconsideration number (888-270-2127) listed on Doctor Of Credit.
  4. Provided following information to verify my identity:
    • Name
    • SSN
    • DOB
    • Account with Chase (Credit Limit)
  5. Waited on hold for 3 minutes, then it was approved for $12,000

RESULT: Approved after follow up
CREDIT LIMIT: $12,000

Chase Ink Business Cash

  • $300 Bonus Cash Back after you spend $3,000 on purchases in the first 3 months after account opening.
  • 0% intro APR on purchases and balance transfers for the first 12 months
  • No Annual Fee
Steps
  1. Applied online (used my full name as Legal name of business and SSN as Tax identification number)
  2. Application was not instantly approved.
  3. Immediately called Chase reconsideration number (888-270-2127) listed on Doctor Of Credit.
  4. Provided following information to verify my identity:
    • Name
    • SSN
    • DOB
    • Account with Chase (Balance or Credit Limit)
  5. Agent – She mentioned my previous application. I told her that I just got approved for a Chase Ink Business Preferred card today, and I also want a Chase Ink Business Cash card because it has a different reward structure.
  6. Waited on hold for 3 minutes, then it was approved for $12,000

RESULT: Approved after follow up
CREDIT LIMIT: $12,000

Chase Sapphire Preferred

  • 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • $0 intro annual fee for the first year, after that $95.
Steps
  1. Applied online
  2. Application was not instantly approved.
  3. Immediately called Chase reconsideration number (888-270-2127).
  4. Provided following information to verify my identity:
    • Name
    • SSN
    • DOB
    • 2 credit cards that are NOT with Chase
  5. Agent – She said my application was declined due to: 1) too many recent inquiries, 2) just opened 2 accounts with Chase and extended new credit line. Chase needs to see how I handle new credit cards. I asked what if I cancel other Chase credit card so that my credit line remains same. She said I had to call another department because she can’t close. Even so, there is no guarantee that I get Chase Sapphire Preferred. I gave up.

RESULT: Declined

Bank of America Premium Rewards

  • 50,000 bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening
  • Get up to a $100 Airline Incidental Statement Credit annually for qualifying purchases such as seat upgrades, baggage fees, in-flight services, and airline lounge fees
  • $95 Annual Fee
Steps
  1. Applied online
  2. Application was not instantly approved.
  3. Immediately called Bank of America reconsideration number listed on Doctor Of Credit.
    • 866-224-8555 didn’t work
    • 866-224-7803 didn’t work
    • 800-354-0401 worked
  4. Provided following information to verify my identity:
    • Name
    • Reference number
    • DOB
    • Last 4 digits of SSN
  5. Agent #1 – She said it’s already approved for $21,000 limit. She checked few things and transferred me to another agent to confirm approval.
  6. Agent #2 – He confirmed that my application was approved. They moved $19,000 from MLB Cash Rewards Mastercard. I asked to close the MLB card and transfer all balance. He said he can’t close the card now. Also decision was already made. I have to call after the card number is generated and receive the new card. Then they can close MLB card and move remaining $2,000.

RESULT: Instant Approval
CREDIT LIMIT: $19,000 (moved credit limit from my existing card)

Wells Fargo Platinum Visa

  • 0% introductory APR for 18 months on purchases and balance transfers.
  • No Annual Fee
Steps
  1. Applied online
  2. Application was not instantly approved.
  3. Immediately called Wells Fargo reconsideration number (866-412-5956#1) listed on Doctor Of Credit.
  4. Provided following information to verify my identity:
    • Name
    • Reference Number
    • DOB
    • Mailing Address
  5. Agent – She said my application is still pending. I have to call back after 48 hours to check my application status.

RESULT: Pending

Citi Diamond Preferred

  • 0% Intro APR for 21 months on purchases and balance transfers.
  • No Annual Fee
Steps
    1. Applied online
    2. Application was not instantly approved.
    3. Citi called me after 3 days.
    4. Agent #1 – She asked to verify following information in my application. Then transferred me to another agent.
      • Last 4 digits of SSN
      • Income
      • Rent
    5. Agent #2 – He said my application was declined due to too many recent inquiries. I asked how many is too many, and how recent is recent. He said Citi doesn’t want to see more than 2 inquiries last 6 months. I had 6 inquiries.

RESULT: Declined

NFL Extra Points

  • Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for $100 cash back
  • 0% intro APR for 15 months on balance transfers made within 45 days of account opening.
  • No Annual Fee
Steps
  1. Applied online
  2. Application was instantly approved for $2,000.

RESULT: Instant Approval
CREDIT LIMIT: $2,000

U.S. Bank Cash 365 American Express

  • $150 bonus after making $500 in eligible net purchases within the first 90 days of account opening.
  • 0% INTRO APR for 15 billing cycles on purchases and balance transfers.
  • No Annual Fee
Steps
  1. Applied online
  2. Application was not instantly approved.

RESULT: Pending